1. Acceptance of Terms

By accessing and using Spendly Budget (the "Service"), you agree to be bound by these Terms and Conditions. If you do not agree, you must not use the Service.

2. Service Description

Spendly Budget is a web-based financial planning and budgeting platform. Features include:

Personal budget creation and management
Income and expense tracking
Recurring payment setup
Financial reports and analytics
Goal planning and projections

3. User Accounts

Registration is required for certain features. You agree to provide accurate information, maintain account security, and notify us of unauthorized access.

4. Acceptable Use

You must use the Service lawfully and not:

Engage in illegal activities
Attempt unauthorized access
Disrupt the Service or others
Upload malicious code
Share credentials
Violate privacy or rights

5. Privacy & Data Protection

Our Privacy Policy explains data collection, use, and protection. By using the Service, you consent to our privacy practices. We comply with GDPR, CCPA, and other applicable laws.

6. Subscription & Payment

Free and paid plans are available. Paid subscriptions grant full access. Fees are charged monthly or annually. Cancellation and refund policies apply as stated.

7. Data Ownership & Backup

You own your data. Export tools are provided. We recommend regular backups. Deleted accounts and data are removed within 30 days.

8. Service Availability

We strive for reliability but cannot guarantee uninterrupted access. Maintenance or technical issues may cause downtime. We may modify, suspend, or discontinue the Service with notice.

9. Limitation of Liability

The Service is provided "as is" and "as available". We are not liable for financial decisions, losses, interruptions, or indirect damages. Use is at your own risk.

10. Termination

You may terminate your account at any time. We may terminate accounts for violations. Access ceases upon termination. Data export is available before termination.

11. Changes to Terms

We may update these Terms. Updates will be posted and users notified of significant changes. Continued use constitutes acceptance.

12. Contact Information

For questions about these Terms, contact:

Email: spendlybudget@gmail.com

13. Governing Law

These Terms are governed by the laws of your jurisdiction and the European Union. Disputes are subject to the exclusive jurisdiction of the courts in your region.